I got what i wanted roughly with what the first poster showed. Will upload the WM file later its nothing special though just a heightmap file in, heightmap out, 0-2048m elevation, 4033 on both resolutions and 4x4 tiles, scaled 4x4x4 x,y,z to get 64x64x1km or so its working half decent but my water is clipping throh the terrain due to the water depths not being deep enough, gonna have to adjust my heightmap contrast or elevation data and reimport.
Will get back, this is the first one thats worekd as desired mroe or less (the scaling… for anyone that wants 20km terrains thats how ya do it!)